The most fascinating part of this video to me was actually the Manulife account getting $100 every month… I’m renting now but that really got me thinking. Why NOT have a few hundred bucks going towards real estate every month? Home ownership is more of a “maybe in 10 years” thing for me right now but hell, 10 years of small deposits can add up 🤷🏾♀️
You seem so much happier financially which is great to see! -- It's crazy how I randomly watched your lifestyle creep video after TH-cam recommended it, and now you are the entire reason I set up my own one month ahead account!! I recently moved out into my own apartment and it has been soo, soo helpful in terms of feeling financially secure. Hope you are doing well!
Having everything on paper is more helpful for me too. I always had just one savings account for emergencies & everything but creating categories is a great idea and everything would be more organized for me this way! Great video Zoe! 👏❤️
This is inspiring thanks for sharing awesome tips sis! I'm financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor/coach to lead you all the way. It's great to start young too!
@@theresamish1746 personally I think 1m is the goal to overcome inflation and having them in an investment portfolio is a perfect plan. I’m half way to my goal 😇
@@gracedaniels6172 yeah. Fees and commissions are factors to look at in search for financial advisers. There’s financial experts out there who do not look at their fees but the impact and intrinsic value they bring along to you no matter how little you want to start. I’m glad I had one guide me start my financial journey
I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 80k in stocks (with the help of my Financial Advisor of course) and made about 246k, but guess what? I put it all back and traded with her again and now I'm rounding up close to a million.
Investment is that tiny line that separates the RICH from the POOR. The foolish from wise sorry to say. I can proudly say I am wise today because I can provide for my family through my investments.
4 years ago I was living paycheck to paycheck, working 40hrs a week, High school drop out with a GED. 489 credit score with an eviction, Repo and collections. Got into real estate but ran into unqualified clients that didn't qualify for a mortgage because of their credit I found this home based business in here on TH-cam and it just made sense.
This opportunity has changed my life ❤️ My credit score increased tremendously, I become a multiple 6 figure earner, I'm able to finicially support my family. I now have the time to and luxurious life I've Dreamt of. All thanks to Mrs Kathy. God will surely bless her abundantly. Now I advice others to go into crypto trading. It's the independence and financial freedom for me 🥰🥰
The one month ahead expense is the best thing I ever did for my finances! I contribute half of my expenses every paycheck to it (I get paid bi-weekly), and so I always know my essential, fixed bills will always be paid! I have a separate account for spending and another for bills, so my one month ahead is in my bills checking account. Makes things so clear. Another great video and finance tips, Zoe! 💓
Hi Zoe:) I am a fellow Montrealer (born and raised) and l now reside in Manitoba. I'm so happy I found your channel as I have been on a new financial journey. I am officially debt free and implementing the cash envelope system since 2 months ago. People are always so intrigued when I take out my cash envelope wallet and share with them what I am doing. This has been a game-changer for me as I am realizing how much money I have spent in the past on useless things. This really gives me the financial picture of where my money is going. So proud and cant wait to continue following your journey. Much Love, Pamela xoxo
This was so helpful thank you ☺️☺️, I hadn’t realised how important it is to keep up with contributions to different accounts. I’ll definitely start doing it as I think it will motivate me more to achieve my goals 💕✨
That's great Zoe. Saving money is so important. My mom had an operation recently and shes quite weak. She couldn't work even if she had too. Got to save money for those hard times.Being sick also add some medical expenses like medication etc... it can be quite costly.
LOVEEE your money system!! im such an analog person too. i love spreadsheets but it helps me so much to count out money and understand what's going where.
I love these style of videos from you particularly because being a fellow Montrealer - it feels that much more relatable. I'm freshly out of debt and looking for ways to manage savings, an emergency fund etc. Love the excel thermometer.
Love your financially planning videos. I also really like that you change things up when needed! Very inspirational. I’m wishing you much abundance now and always!
my personal finance bullet journal is my bible and truly has changed my life. i love drawing trackers for my sinking funds - it's soooo satisfying being able to color the blocks in!
Thanks for this! Very realistic! Gives me perspective of how people from US and Canada lives, and tbh not very different from my side of the planet (Philippines). Love the content
Love these goals. I was just thinking about my goals this week. I'm hoping to set up some rolling goals. I have a harder time with the pressure of time based goals. I want to feel inspired by my goals not like it's an extra weight. Thanks for sharing!
A really helpful video, I started cash stuffing this year and I'm loving it so far. I used to use the cleverfox budget book and it was so useful. I've now created my own Excel doc and I'm loving it. I've made it personal to me and pretty in my opinion
Love how you’ve got multiple systems in place! I also gravitate towards paper methods but would love to have a combo of paper and app/computer programs to hold myself accountable
I used to do a cash envelope too until I learned about Allys bank account which basically does the same thing and I transfer from my checking every paycheck. Then allocate to each folder. 😊
It’s so fascinating hearing about student debt from someone in the UK. For us it’s litterally the last thing on our mind and no one willingly pays it off in full. Depending on how much you make it comes out of your payslip and is forgiven after 30 years. They can only take out money if you earn a certain amount I think it’s 28k and it’s something like £5 a month obvs the more you earn the more they take out but it’s probably nothing more than £150 a month which is very small in comparison.
Love finding Canadians my age sharing advice on personal finance!! I haven't browsed your full catalogue yet to see if you've done it before but I would love a video on your experience with WealthSimple so far, and your strategies for your accounts there. I am seriously considering opening a TFSA with them. Definitely subscribing! 😁
Hiii yay, thank you & welcome 🎉 I don't have a full video on it, but I mention them throughout my monthly $$ videos. Overall I'm very happy with the platform and my accounts. For my emergency fund I use their high interest savings accounts & I also use their invest (funds) and stock trading too :) (*not financial advice, just what i do*)
It def takes consistency but this is inspiring I love the tips! I haven’t tried a cash envelope system since I was working (6+ years ago) but I do love the cash system. It rly does work!
Hi Zoe, this was another great video. However, did I hear you say that you carry your cash envelopes around? If that's the case, I personally would rethink that given the fact that people will stop at nothing to take from you, especially with the way the economy is. Or you could lose it, or lay it down while you are paying for something, and forget to take it. It happens all the time, with people and their cell phones. They say it only takes a moment of being distracted for something like that to happen. I would hate to see that happen to you with all the hard work you do. Maybe if you are going out for coffee, or something to eat, just take a certain amount out of the proper envelope.
Hi! Thank you for caring 💖 I don't carry the binder around, I usually just grab a single envelope for what I know I'll be doing. I carried it for the first week and then saw all the comments like this and was like WAIT DUH THIS ISN'T SAFE haha
@@ZoePritchard great idea! This also helps you stop from spending extra. If your grocery budget is $100, that's all you'll take and all you'll be able to spend!
Just a thought but you could be using your TFSA for your house goal instead of a regular savings account. This way when you are older, making more, and buying the house you won't get taxed on your withdrawal which will include capital gains. However, with a regular savings account you will get taxed on the capital gains and possibly at a higher rate than today depending on the growth in your income. RRSP also has a first home tax free withdrawal but you have to pay that back over X years.
I used to use cash envelopes, they are very effective, but that was back in the 2008s because we didn't have internet banking, now a days I take advantage of the technology as I've never been really good with counting change and usually got taken advantage of. Now with cards I can pay faster without counting 3 times the bills before and after paying. It all depends on the person I guess. It makes no difference in my psyque money is money for me whether in cash or a card.
Great video 💜and I just restarted the cash envelope system and have a savings binder to save up I’m starting to work on my financial goals and have a financial goal for each month
I'm going to try and not spend the rest of the month. I find that when I'm having a grumpy day or the suns not shining I tend to go and shop on amazon. I need to find a way to stay off and use the stuff I have. I'm trying my maze bank I got for Christmas I'm not opening it up till my anniversary from my job.
So nice to see this video!! Our journey is so similar. I am actually coming close to finally filling my emergency fund and now I'm like - whats next??? :D Like, I don't want to spend all that money that went towards my emergency funds each month, but putting it all into my long term investments also doesn't feel like the perfect use of money. Not sure what to do right now, esp. with the current economic situation...
Well first off congrats on almost having filled that - amazing achievement!! Could be the perfect time to speak with a financial advisor and get there advice on your exciting next step 😍 so happy for you!
Congratulations on your success. To help answer your question, if you have ever heard or watched Dave Ramsey, he lays out what is called the baby steps. It a step by step process like you said setting up your emergency fund then moving step by step through your Financial goals.
@@Roger_Rabbit_Adventures Thank you :) I know the concept, but there are a couple of things that don't work for me: 1) I already invest 15% of my monthly income (but I don't live in the US, so no Roth IRA or sth like that; 2) I don't want to have kids; 3) I don't want to purchase a house/apartment. So yeah :D Not the best solution for me personally :)
@@Isabella-de7kv the end result is to be financially free & being prepared. Like setting up your emergency fund, then paying off debt & having enough to enjoy life. Described as Financial Peace. Sounds like you are doing well on your journey
I love paper too! I gotta have a journal lol everyone is like duh phones use it but no I need a journal to write my things down. Everything and anything is written!
Hi!! I'm not 100% sure at this moment, I would have to look back at my previous budgets... but I would say it's maybe around $100 month less (maybe more on months where I ate out a lot!)
This is awesome! Gunna share this with my students for sure. Also I’d love to set up a collab video with you, I think my subscribers would love to hear your point of view! Let me know :-) great work either way!
Holy smokes you’re intense! I like the deliberate intent though. I just throw about 70% of my net paycheck into a taxable brokerage and call it good for the week lol.
I never understood that money envelope method. How do you pay bills, Netflix, etc? Such a hassle. I’m certainly not paying the bank to order checks and worry the bill payment might get lost in the mail. I use a digital budget tracking app and check my cards and have savings transferred from my pay check right when I’m paid
Hi Zoe, this is my first time watching you and already subscribed. I’m thinking of making my finances as my top priority this month. Do you think I should first focus on paying off my debts or saving or both at the same time 🥹 I haven’t been working for a while but starting soon and my finances are really bad. Pls help
Thank you for subscribing!! It's really a personal decision and I cannot give true financial advice. What would I do in this situation? First see at what interest rates your debts are at. If its credit card debt at 19.99% (for example) I would pay that off first as you cannot earn that much interest on your savings. If the interest on the debt is low you could do both, however it really depends what you are comfortable with. This is a good question to look up and read some articles about! I have an old video where I sit down with a financial advisor and we talk about this. Here is the link: th-cam.com/video/pvmBMi4JoCw/w-d-xo.html
![[Live] : ONE 168 วันนี้!! "โจนาธาน vs ซุปเปอร์เล็ก"](http://i.ytimg.com/vi/0jIN65KgJsI/mqdefault.jpg)
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The most fascinating part of this video to me was actually the Manulife account getting $100 every month… I’m renting now but that really got me thinking. Why NOT have a few hundred bucks going towards real estate every month?
Home ownership is more of a “maybe in 10 years” thing for me right now but hell, 10 years of small deposits can add up 🤷🏾♀️
yessss that’s EXACTLY how I feel about it! And $100 on auto deposit you don’t even notice it 🙈
Small goals are for me too!! This got me motivated to set my financial goals!
Yaaaaay that's amazing!!!
My spreadsheet is so much nerdier lol. I love seeing progress and I use formulas to change colors and automatically update amounts it’s so fun
The month ahead thing is great! My husband & I started doing this years ago & pay all bills on the first regardless of due date. You got this!
that’s amazing!! 😍💸
You seem so much happier financially which is great to see! -- It's crazy how I randomly watched your lifestyle creep video after TH-cam recommended it, and now you are the entire reason I set up my own one month ahead account!! I recently moved out into my own apartment and it has been soo, soo helpful in terms of feeling financially secure. Hope you are doing well!
Having everything on paper is more helpful for me too. I always had just one savings account for emergencies & everything but creating categories is a great idea and everything would be more organized for me this way! Great video Zoe! 👏❤️
Thank you Poppy!! 💖
This is inspiring thanks for sharing awesome tips sis! I'm financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor/coach to lead you all the way. It's great to start young too!
Hello, I'm 43 working on my retirement fund too! What do you think is the best target for retirement?
A lot of people find having a couch /financial advisor a luxury
@@theresamish1746 personally I think 1m is the goal to overcome inflation and having them in an investment portfolio is a perfect plan. I’m half way to my goal 😇
@@gracedaniels6172 yeah. Fees and commissions are factors to look at in search for financial advisers. There’s financial experts out there who do not look at their fees but the impact and intrinsic value they bring along to you no matter how little you want to start. I’m glad I had one guide me start my financial journey
I'm trying to read books about finance, budgeting and saving. Looking at having a good financial advisor. Can you recommend?
I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 80k in stocks (with the help of my Financial Advisor of course) and made about 246k, but guess what? I put it all back and traded with her again and now I'm rounding up close to a million.
Investment is that tiny line that separates the RICH from the POOR. The foolish from wise sorry to say. I can proudly say I am wise today because I can provide for my family through my investments.
I'm very confident trading with Mrs Kathy because of the steady income she makes for me. She has never faltered
I just withdraw my profit last two days before
now. am glad i did invest with them still reinvested and the trade is ongoing
4 years ago I was living paycheck to paycheck, working 40hrs a week,
High school drop out with a GED. 489 credit score with an eviction, Repo and collections.
Got into real estate but ran into unqualified clients that didn't qualify for a mortgage because of their credit
I found this home based business in here on TH-cam and it just made sense.
This opportunity has changed my life ❤️
My credit score increased tremendously, I become a multiple 6 figure earner, I'm able to finicially support my family. I now have the time to and luxurious life I've Dreamt of.
All thanks to Mrs Kathy.
God will surely bless her abundantly.
Now I advice others to go into crypto trading.
It's the independence and financial freedom for me 🥰🥰
Great video! We are currently a month ahead and we love setting small attainable goals along the way.
That's wonderful! Congrats 😍
The one month ahead expense is the best thing I ever did for my finances! I contribute half of my expenses every paycheck to it (I get paid bi-weekly), and so I always know my essential, fixed bills will always be paid! I have a separate account for spending and another for bills, so my one month ahead is in my bills checking account. Makes things so clear. Another great video and finance tips, Zoe! 💓
Hi Zoe:) I am a fellow Montrealer (born and raised) and l now reside in Manitoba. I'm so happy I found your channel as I have been on a new financial journey. I am officially debt free and implementing the cash envelope system since 2 months ago. People are always so intrigued when I take out my cash envelope wallet and share with them what I am doing. This has been a game-changer for me as I am realizing how much money I have spent in the past on useless things. This really gives me the financial picture of where my money is going. So proud and cant wait to continue following your journey. Much Love, Pamela xoxo
Hi Pamela! Thanks so much for your comment, it made me so happy 💖 Love that the cash envelopes is working so well for you, I love it too!
I just made my 2023 savings schedule as well! Excited to automate everything sit back and relax 😎
amaaaazing 😍😍😍
This was so helpful thank you ☺️☺️, I hadn’t realised how important it is to keep up with contributions to different accounts. I’ll definitely start doing it as I think it will motivate me more to achieve my goals 💕✨
Yayyy! So glad you enjoyed and are feeling motivated 💖
That's great Zoe. Saving money is so important. My mom had an operation recently and shes quite weak. She couldn't work even if she had too. Got to save money for those hard times.Being sick also add some medical expenses like medication etc... it can be quite costly.
LOVEEE your money system!! im such an analog person too. i love spreadsheets but it helps me so much to count out money and understand what's going where.
I love these style of videos from you particularly because being a fellow Montrealer - it feels that much more relatable. I'm freshly out of debt and looking for ways to manage savings, an emergency fund etc. Love the excel thermometer.
Thank you so much!! ✨💖 & I always love when a fellow Montrealer comments, yay!
Love your financially planning videos. I also really like that you change things up when needed! Very inspirational. I’m wishing you much abundance now and always!
my personal finance bullet journal is my bible and truly has changed my life. i love drawing trackers for my sinking funds - it's soooo satisfying being able to color the blocks in!
amazing 🖤😍
Thanks for this! Very realistic! Gives me perspective of how people from US and Canada lives, and tbh not very different from my side of the planet (Philippines). Love the content
Love these goals. I was just thinking about my goals this week. I'm hoping to set up some rolling goals. I have a harder time with the pressure of time based goals. I want to feel inspired by my goals not like it's an extra weight. Thanks for sharing!
Awesome goals and set up Zoe! I'm excited to watch your journey!
Thank you Leila!! 💖
A really helpful video, I started cash stuffing this year and I'm loving it so far. I used to use the cleverfox budget book and it was so useful. I've now created my own Excel doc and I'm loving it. I've made it personal to me and pretty in my opinion
I really like watching your Chanel very calming and chill 🎉😊
Thank you 💖💖💖
Love how you’ve got multiple systems in place! I also gravitate towards paper methods but would love to have a combo of paper and app/computer programs to hold myself accountable
Yesss the more the merrier in my book!
I used to do a cash envelope too until I learned about Allys bank account which basically does the same thing and I transfer from my checking every paycheck. Then allocate to each folder. 😊
It’s so fascinating hearing about student debt from someone in the UK. For us it’s litterally the last thing on our mind and no one willingly pays it off in full. Depending on how much you make it comes out of your payslip and is forgiven after 30 years. They can only take out money if you earn a certain amount I think it’s 28k and it’s something like £5 a month obvs the more you earn the more they take out but it’s probably nothing more than £150 a month which is very small in comparison.
This was a great video! Thank you so much for sharing this 🧡
glad you liked it!! 💖💵💸
Love finding Canadians my age sharing advice on personal finance!! I haven't browsed your full catalogue yet to see if you've done it before but I would love a video on your experience with WealthSimple so far, and your strategies for your accounts there. I am seriously considering opening a TFSA with them. Definitely subscribing! 😁
Hiii yay, thank you & welcome 🎉 I don't have a full video on it, but I mention them throughout my monthly $$ videos. Overall I'm very happy with the platform and my accounts. For my emergency fund I use their high interest savings accounts & I also use their invest (funds) and stock trading too :) (*not financial advice, just what i do*)
yayyyy!!! I'm so happy you have been enjoying the cash envelope method! Legit am so invested in your journey with them!
omg I love that 🥺 I think these things are going to change my life 😂
For long term: don’t think about cutting expenses. Think about increasing income.
this is true!!
I love your financial goal discussion videos
Yay!!! ✨✨
Thank you just found you, you made everything so easy to understand
There’s the Zoe we all love 🥰 really great video 👏 keep going 🌟
hiiiii love you, thank you 💖💖
Soo happy for you!!! Congrats on 36K!!
Great video! Thanks for sharing your methods.
It def takes consistency but this is inspiring I love the tips! I haven’t tried a cash envelope system since I was working (6+ years ago) but I do love the cash system. It rly does work!
Hi Zoe, this was another great video. However, did I hear you say that you carry your cash envelopes around? If that's the case, I personally would rethink that given the fact that people will stop at nothing to take from you, especially with the way the economy is. Or you could lose it, or lay it down while you are paying for something, and forget to take it. It happens all the time, with people and their cell phones. They say it only takes a moment of being distracted for something like that to happen. I would hate to see that happen to you with all the hard work you do. Maybe if you are going out for coffee, or something to eat, just take a certain amount out of the proper envelope.
Hi! Thank you for caring 💖 I don't carry the binder around, I usually just grab a single envelope for what I know I'll be doing. I carried it for the first week and then saw all the comments like this and was like WAIT DUH THIS ISN'T SAFE haha
@@ZoePritchard great idea! This also helps you stop from spending extra. If your grocery budget is $100, that's all you'll take and all you'll be able to spend!
Good luck with your goals ❤️😊 thank you for this video. I am moving out soon so I will need to think about my finances more as well 😊
Thank youuu! That is exciting 😍 Wish you all the best on that adventure!
@@ZoePritchard you're welcome and thank you! ❤️
Just a thought but you could be using your TFSA for your house goal instead of a regular savings account. This way when you are older, making more, and buying the house you won't get taxed on your withdrawal which will include capital gains. However, with a regular savings account you will get taxed on the capital gains and possibly at a higher rate than today depending on the growth in your income. RRSP also has a first home tax free withdrawal but you have to pay that back over X years.
Hi!! It's a TFSA that I put it into :)
you should try out notion for setting up your spreadsheat! Alot more flexibility to personalize it and make it pretty :)
You are a Jewel. Very well organized & proficient.
Congratulations on paying off your student loans. Best wishes on your Financial journey
You're so smart to get your finances in order at such a young age! Great systems!
thank you ❤️❤️
I used to use cash envelopes, they are very effective, but that was back in the 2008s because we didn't have internet banking, now a days I take advantage of the technology as I've never been really good with counting change and usually got taken advantage of. Now with cards I can pay faster without counting 3 times the bills before and after paying. It all depends on the person I guess. It makes no difference in my psyque money is money for me whether in cash or a card.
Loved this!!!!😊
u can just do that on capital one 360 where u can make different categories
Great video 💜and I just restarted the cash envelope system and have a savings binder to save up I’m starting to work on my financial goals and have a financial goal for each month
That's wonderful!! 😍
Love the planner! I'm a paper person too! I feel it makes a lot more sense 😅
yessss!
Wow, it looks very manageable and motivated to do something.
I'm going to try and not spend the rest of the month. I find that when I'm having a grumpy day or the suns not shining I tend to go and shop on amazon. I need to find a way to stay off and use the stuff I have. I'm trying my maze bank I got for Christmas I'm not opening it up till my anniversary from my job.
So nice to see this video!! Our journey is so similar. I am actually coming close to finally filling my emergency fund and now I'm like - whats next??? :D Like, I don't want to spend all that money that went towards my emergency funds each month, but putting it all into my long term investments also doesn't feel like the perfect use of money. Not sure what to do right now, esp. with the current economic situation...
Well first off congrats on almost having filled that - amazing achievement!! Could be the perfect time to speak with a financial advisor and get there advice on your exciting next step 😍 so happy for you!
Congratulations on your success.
To help answer your question, if you have ever heard or watched Dave Ramsey, he lays out what is called the baby steps. It a step by step process like you said setting up your emergency fund then moving step by step through your Financial goals.
@@Roger_Rabbit_Adventures Thank you :) I know the concept, but there are a couple of things that don't work for me: 1) I already invest 15% of my monthly income (but I don't live in the US, so no Roth IRA or sth like that; 2) I don't want to have kids; 3) I don't want to purchase a house/apartment. So yeah :D Not the best solution for me personally :)
@@Isabella-de7kv the end result is to be financially free & being prepared. Like setting up your emergency fund, then paying off debt & having enough to enjoy life. Described as Financial Peace. Sounds like you are doing well on your journey
Another great video🌞
Thank youuu! ✨
I love paper too! I gotta have a journal lol everyone is like duh phones use it but no I need a journal to write my things down. Everything and anything is written!
I generally prefer paper too. Its easier to remember when you actually write it down for me.
agree!!
Hey girl thanks!! :) one of your videos you talked about how you stopped spending money on food. How much did you save if you don’t mind me asking
Hi!! I'm not 100% sure at this moment, I would have to look back at my previous budgets... but I would say it's maybe around $100 month less (maybe more on months where I ate out a lot!)
Great video, I use similiar system :) And I have to say that it works
Amazing!!
Stumbled upon you with this video and I'm so happy I did. Subscribing for more ❤️
hiii welcome I'm so happy to hear this! ❤️
I love your makeup and your outfit.
Thank you!!
Loved your video! Do you recommend having all the accounts at the same bank or not?
This is awesome! Gunna share this with my students for sure. Also I’d love to set up a collab video with you, I think my subscribers would love to hear your point of view! Let me know :-) great work either way!
Holy smokes you’re intense! I like the deliberate intent though. I just throw about 70% of my net paycheck into a taxable brokerage and call it good for the week lol.
So inspiring 🥰
New subbie from the UK....I use the cash stuffing system alongside savings challenges ☺️. I upload videos too 😃 Loving your channel.... Gillian
I never understood that money envelope method. How do you pay bills, Netflix, etc? Such a hassle. I’m certainly not paying the bank to order checks and worry the bill payment might get lost in the mail. I use a digital budget tracking app and check my cards and have savings transferred from my pay check right when I’m paid
For online bills I dont take out cash, I just account for them digitally:)
The Canadian tire money 🤣
hahaha can't stop 😂
0:21
Hi Zoe, this is my first time watching you and already subscribed. I’m thinking of making my finances as my top priority this month. Do you think I should first focus on paying off my debts or saving or both at the same time 🥹 I haven’t been working for a while but starting soon and my finances are really bad. Pls help
Thank you for subscribing!! It's really a personal decision and I cannot give true financial advice. What would I do in this situation? First see at what interest rates your debts are at. If its credit card debt at 19.99% (for example) I would pay that off first as you cannot earn that much interest on your savings. If the interest on the debt is low you could do both, however it really depends what you are comfortable with. This is a good question to look up and read some articles about! I have an old video where I sit down with a financial advisor and we talk about this. Here is the link: th-cam.com/video/pvmBMi4JoCw/w-d-xo.html
@@ZoePritchard thank you very much
great video, thanks for the tips. but the sound was not clear everytime you turned away from the camera 😢
I know 😭 not the best set-up... I'm sorry about that!
Do you have a credit that you use that you get points when you fly?
Yes but I'm not using it very often with the new cash budget :)
Third